Flood Insurance Program
After a storm, flood insurance remains the best way to protect the life you’ve built. Federal disaster assistance is only available after a presidential disaster declaration, requires an application, and is not guaranteed.
Don’t wait! It takes up to 30 days for a new flood insurance policy to go into effect. Jump-start your recovery and contact your insurance carrier by calling the National Flood Insurance Program at 877-336-2627 or visiting floodsmart.gov.
Did you know the National Flood Insurance Program will pay up to $1,000 for sandbags, pumps and lumber to protect your insured building from flooding?
A flood can happen to anyone, anywhere, and at any time. Make sure your important documents are secured safely in a dry place. When you are prepared for a flood, you are prepared for recovery.
Flood Insurance Resource Library
How to start a flood insurance claim The National Flood Insurance Program (NFIP) is dedicated to helping policyholders recover from flood events. Learn how to begin a claim against your flood insurance policy with this step-by-step guide. (Spanish version)
FEMA's Flood Insurance Claims Process FEMA’s National Flood Insurance Program (NFIP) is dedicated to getting you back on your feet faster. Use the following information to file a claim, document damage, work with your adjuster, make repairs, and understand your claim payment. (Spanish Version)
Wind Damage Versus Floodwater Damage Your flood insurance policy only covers physical damage directly caused by a flood. You will likely need to file insurance claims with both entities and work with multiple adjusters after a flood disaster. For example, an NFIP policy covers damage caused by water entering your home from the ground up due to storm surge, heavy rainfall or the overflow of a body of water, such as a lake or river. However, if rain is propelled into a covered structure by wind, that is considered wind-driven rain and is not covered under your flood insurance policy. The same is true if your roof is damaged and water enters through the ceiling. That is water damage as a result of wind damage and is not covered under your flood insurance policy and may revert to your homeowner's insurance policy. (Spanish Version)
Identifying Your Advocates After A Flood In the wake of a flood disaster, you should expect multiple individuals to offer assistance, including those from insurance companies, nonprofits, government agencies and more. Unfortunately, scammers may pose as government agents or damage assessors in the aftermath of a flood event. Protect your identity and stay informed by remembering these tips. (Spanish Version)
How To Document Damage And Start Clean-Up Rebuilding after a flood can be difficult. If you have flood insurance, you don’t have to go through it alone. After you’ve started your claim and ensured it’s safe to enter your home, you can begin the recovery process by documenting damage and taking steps to stop the spread of mold.
Recovering Financially After A Flood Recovering from a disaster can be overwhelming; however, FEMA’s National Flood Insurance Program (NFIP) is here to help ease your recovery. While your flood insurance policy provides the most financial support, you may also be eligible for various types of disaster assistance. (Spanish Version)
Save Your Family Treasures With a little patience and prompt action, saving cherished photographs, letters, paintings and other irreplaceable objects is possible. These step-by-step instructions will help you stabilize your treasured objects and buy you time to make an educated decision on further treatment and handling of your family mementos.
Frequently Asked Questions About The National Flood Insurance Program NFIP Overview, NFIP's Role In Communities. NFIP Flood Insurance & Coverages, Claims Process, Disaster Assistance & Mitigation/Rebuilding (Spanish Version)
